WPC2 %Q'CZ="Av.pN gmJ\T-Ww!&ǒEF)Fzù5v?ꊥa}ګxQwս]aJVs^|!sVN1(0cKQPE<* {i?'O6s\,u U fJ2ShT\wg~{'ͿU=a4; 2/ >dVDqU uܧ9KA- .M57vLoI@-@%y|q߫%%*l8!N#H8]LC0X0'O@\ [lV˵Kդ]6WizR9>Kd)MΔ1<3 ߺE3W<99<5N9~K5jVUN %8 04> #r(3 F[ mFw^ 4$V33O:O A 0KLLL B@ zo|@ o|                                                      N 1 0Q 0Qjj D-# 0Q## 0]9( A, 0uA-A- 0`-- 0.. 0.. 1ux/x/x/x/ B////6 0 0 0 0 0 0 0 0 0 0 0 0 72@1@1/r1r1 1111111111111111111111U:B2B2B2B2M|2&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    \\clust02\ps_pdf_prentuntt0 W:\WP2000\template\SKJRI~3H.WPTUW:\WP2000\template\SkjritunY2k.wptJ3s Ό|)32\a03|x L e4s)ISUS.,,,..XXXX? '|XX0?vvbX0#ggdd  ISIS,.   _>? ҀLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5 0 a4s'ISUS.,,,..XXXX? '|XX0?vvbX0#ggdd  ISIS,.   _ԀLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5bd&OLE 2.0 Box <=8C HKKKK( $ Figure  1   dLevel 1Level 2Level 3Level 4Level 5" WPCn"P513%)+- (($ WPCnP513%)+- (( ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()34s$ Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? '|XX0?vvbX0#ggdd  8dd8ISIS,.     ()34s$ Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? '|XX0?vvbX0#ggdd  8dd8ISIS,.     )!dxdx()34s$ Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? '|XX0?vvbX0#ggdd  8dd8ISIS,.     (53R$ Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? '|XX0?vvbX0#ggdd  8dd8ISIS,.      d d&Draw Object =8C HKKKK(M0J$2  0  .3  0 ` (8,1$0  2%3  0` ""(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) d , gR+ISUS.,,,..XXXX? '|XX0?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? '|XX0?vvbX0#ggdd  8dd8ISIS,.     _ >?  _ikmo(%03q 9  132.lggjafarYing2005!2006.3PrentaWupp. ( _Xskj_.4"4.ml.. ^~\'|LeiWrtturtexti.#'|\^~#Ԉ    s'|@* * Tillagatil_Yingslyktunar_#'| sG#   um_afkomutryggingu_ԀaldraWraogryrkja.     @@--_Flm_.:J;hannaSigurWard;ttir,IngibjrgS;lrnGslad;ttir,MargrtFrmannsd;ttir, K #  _ssur_ԀSkarphWinsson,AnnaKristnGunnarsd;ttir,gst:lafurgstsson,    staR.J;hannesd;ttir,BjrgvinG.SigurWsson,EinarMrSigurWarson,    GuWrngmundsd;ttir,HelgiHjrvar,J;hannrslsson,J;nGunnarsson,   KatrnJlusd;ttir,KristjnL.Mller,LWvk_Bergvinsson_,MrWurrnason, wO  RannveigGuWmundsd;ttir,ValdimarL.FriWriksson,X;runnSveinbjarnard;ttir. B  R  AlYingilyktaraWfelarkisstj;rninni,samrWiviWsamtkaldraWraogryrkja,aWbeita   srfyrirYvaWkomiWverWi_afkomutryggingu_ԀfyrirlfeyrisYega.SkoWuWverWiYtttakaal {  mannatryggingaoglfeyrissj;Wa_afkomutryggingu_._Grunnlfeyrir_ԀogtekjutryggingverWi nF semnst_lgmarksframfrslu_ԀeinsoghnverWurskilgreindsamrmiviW_neyslutgjld_Ԁlf 9 eyrisYega.Raungildi_grunnlfeyris_ԀogtekjutryggingarverWiekkilgraviWupptku_afkomu  tryggingar_ԀenYaWvarrinu1995.AukYessaverWi_skerWingarhlutfll_Ԁ_grunnlfeyris_Ԁogtekju  tryggingar_rUmkuW_ԀverulegatilaWaukasvigrmtilatvinnuYtttku. r   Samningurum_afkomutryggingu_ԀtakigildifrogmeW1.janar2007ogjafnframtbreytist e= lfeyriralmannatryggingatilsamrmisviW_launavsitlu_. 0 @#dggGreinargerW.#ggdQԈ    AlltofmargirYj;WflagsYegnarbaviWkjrsemdugaekkifyrirnauWYurftumeWa_lg i marksframfrslu_.YaWekkisstviWumaldraWa,ryrkjaogeinstWaforeldra,atvinnulausa \4 ogYsembaviWlangvarandisjkd;ma.MeWal_stefnumla_Ԁ_Samfylkingarinnar_ԀeraWkomiW ' verWi_afkomutryggingu_ԀsvoaWenginnYurfiaWbaviWftktog;vissuumkjrsn.MeW  YeirritillgusemhrerflutterstigiWfyrstaskrefiWYessattoglUturhnaW_afkomutrygg  ingu_ԀaldraWraogryrkja. `    0nstafangamunYingflokkur_Samfylkingarinnar_ԀbeitasrfyrirYvaWteknarverWiupp S+! viWrWurmillirkisvaldsins,sveitarflagaogaWilavinnumarkaWarinsum_afkomutryggingu_ " Yeirrasemafflagslegum,_heilsufarslegum_ԀeWaWrum;viWrWanlegumstWumhafaekki # srtilframfrslusemsamsvarar_lgmarkslaunum_ԀYj;Wflaginuhverjusinni.Xingmenn  $ _Samfylkingarinnar_ԀhafaWurlagtframtillgutil_Yingslyktunar_Ԁum_skattfrelsi_Ԁ_lgtekjuf;lks_ !W% semfelur_m.a._ԀsraWatvinnuleysisbturogfjrhagsaWstoWsveitarflagaverWiundanYegin J""& skatti.MarkmiWbeggjatillagnaeraWenginnYurfiaWYolaYaWaWeigaekkifyrirnauWYurft #' um.TilaWnYvsemaWerstefnterhrlagttilaWteknarverWiuppviWrWurmillistj;rn #( valdaogsamtakalfeyrisYegaumnUjansamningum_afkomutryggingu_Ԁsemkomitilfram $ ) kvmdabyrjunrs2007. v%N!*   Xj;Wflaggeturekkitalist_velferWarYj;Wflag_ԀnemavelsbiWaWldruWumogryrkjum A&"+ ogYeimtryggWs;masamlegkjr.X;ttmargthafiveriWvelgertmlefnumYessaf;lksum  '", liWnumratugumbUralltofst;rh;puraldraWraogryrkjaviWslmkjrogheildhefur '#- Yessih;purekkifengiW_sanngjarnan_ԀeWaeWlileganhlutg;WriliWinnara.0Yvefnihefur (z$. 9 y_   _ verulegadregiWsundurmeWlfeyrisYegumogYeimsemversthafakjrinvinnumarkaWnum ( oghefurbiliWmilli_ meWallauna_ Ԁverkamannaog_ lfeyrisgreiWslna_ Ԁ_ st;raukist_ .Xegarallterlit  iWferYvfjarriaWafkomaogaWbnaWurmargraaldraWrahrlandismannsmandi.  h!vr$j~1i Pp@@@@5,(( ddn"@EPP  Tengingb;taalmannatryggingaviWvikukaupalmennriverkamannavinnuvarafnumin a riW1996ogolliYaWmikilliskerWingulfeyrialdraWraogryrkja.0staWinnvarlgumum T, almannatryggingarbreyttogkveWiWumaWbturalmannatryggingaskyldutakamiWaf  _ launaYr;un_ ,Y;YannigaWbreyting_ fjrhWinni_ ԀgtialdreifariWniWurfyrirYaWsemvsitala  _ neysluverWs_ Ԁmlir.Fullyrtvarafstj;rnvldumYeimtmaaWYessibreytingmundiekki   skerWakjrlfeyrisYega.AfumrWumAlYingierlj;staWmargirYingmenntlduaWmeW  X YessukvWivritryggtaW_ lfeyrisgreiWslur_ ԀttuaWhkkatilsamrmisviW_ launavsitlu_ . K #  EngusWurhafaYrekkigertYaW.MeWbreytingunnifr1996hafakjrlfeyrisYegaveriW    svoskertaWYaWYyrftiaWhkka_ grunnlfeyri_ Ԁogtekjutrygginguumhvorkimeiranminna    en4,6milljarWakr.(miWaWviWdesember2004)tilYessaW_ framfrslulfeyrir_ ԀYeirrahldi   raungildisnumiWaWviW_ grunnlfeyri_ Ԁog_ tekjutrygginguna_ ԀeinsogYessar_ lfeyrisgreiWslur_  wO  voruriW1995Yegarnverandistj;rnarflokkarkomusttilvalda._ Grunnlfeyrir_ Ԁogfulltekju B  tryggingvru12Ys.kr.hrri(miWaWviWdesember2004)enellamnuWieWaum144Ys.    kr.hrririefraungildiYessaragreiWslnavriYaWsamarinu2005.     Lj;steraWkaupmtturlfeyrishefurekkiveriWneinusamrmiviWYaWsemhefurveriW {  aWgerastvinnumarkaWnumogstWugthefurdregiWsundurmeWlfeyris-oglaunagreiWsl nF umfrYvaWklipptvartengsllaunaoglfeyrisfyrirumturum.SemdmimnefnaaW 9 runum19951999var_ kaupmttaraukning_ Ԁ_ lfeyrisgreiWslna_ ԀYrisvarsinnumlgrien_ kaup  mttaraukning_ Ԁverkaf;lks.runum19992002var_ kaupmttaraukning_ Ԁatvinnuleysisb;ta  1%enlfeyris2%.samatmavar_ kaupmttaraukning_ Ԁlaunaverkaf;lksum10%. r   BendamaWLandssambandeldriborgarahafareiknaWtaW_ grunnlfeyrir_ Ԁsemhlutfall e= af_ lgmarkslaunum_ Ԁverkaf;lkshefurstWugtveriWaWlkka.rinu1995varhann24,94% 0 enriW2003varhannkominnniWur21,1%._ Grunnlfeyrir_ ԀsemhlutfallafreglulegummeWal  launumverkaf;lksvar16,34%riW1995envarkominn14,29%riW2003.EflitiWertil  tekjutryggingarog_ eingreiWslu_ Ԁsemhlutfallsaf_ lgmarkslaunum_ Ԁverkaf;lksvarhn49,83% i riW1995enkominniWur41,01%riW2003.AthyglisvertereinnigaWsamanlagWur_ grunn \4 lfeyrir_ ,tekjutryggingog_ eingreiWslur_ Ԁtekjutryggingusemhlutfallaf_ lgmarkslaunum_  ' verkaf;lksvar74,78%riW1995enYettahlutfallvarkomiWniWur62,11%riW2003.    fundiFlagseldriborgaraReykjavkfebrarYessurivarYesskrafistaW_ grunnlf  eyrir_ ԀaldraWrafralmannatryggingumnWiaftursamahlutfalliaf_ viWmiWunarlaunum_ ԀogriW `  1995.FramhefurkomiWopinberlegaaWfrrinu1995tilrsins2005hafikaupmttur_ lg S+! markslauna_ Ԁaukistum56%enkaupmtturlfeyrisaWeinsum25%.FramhefurkomiWhj " LandssambandieldriborgaraaWsamkvmtformumrkisstj;rnarinnarfrsWastaYingium # lkkunskattamunikaupmttur_ rWstfunartekna_ ԀeldriborgaraaWeinshkkaum9,3%fr  $ rinu1995tillokakjrtmabilsins2007,enekki55%einsogfulltrarrkisstj;rnarinnar !W% haldafram.0YvsambandimbendaaWst;rhluti_ ellilfeyrisYega_ ,eWaumYriWjungur,er J""& meWundir110Ys.kr.mnuWi.EinnigmbendaaWskUrsluumkjrryrkja,sem_ Sam #' fylkingin_ Ԁ;skaWieftirfrforstisrWherraoglgWvarframAlYingi126.lggjafarYingi, #( komframaW43%allraryrkjafengargreiWslurrlfeyrissj;Wi.AthyglisvertereinnigaW $ ) 22%_ ellilfeyrisYega_ ԀeWaum6YsundmannsvoruaWeinsmeWtekjurundir70Ys.kr.mn v%N!* uWisrtilframfrsluriW1999. A&"+   Lj;steraW_ skattbyrWi_ ԀlfeyrisYegahefuraukistgfurlegasamatmaogmikilskerWing  '", hefurorWiWlfeyrisgreiWslum.TilsamanshefurYaWrUrtverulega_ afkomumguleika_ Ԁlf '#- eyrisYega.NefnamsemdmiaWtuYsundellilfeyrisYegumerngertaWlifaaftekjum (z$. undir110Ys.kr.mnuWi.XeirgreiWaum14%afsnumtekjumskattengreiddu23% ( afsamsvaranditekjumfyrirturum.    StaWaflestralfeyrissj;WaersembeturfertraustogYvmunuaukinlfeyrisrttindibta  kjreldriborgarakomandirum.Hluturalmannatryggingaeftirlaunummunminnkaog a hluturlfeyrissj;Wannaaukast.X;beraWhafahugaaWYeirsemnYegarerukomnireftir T, launmunuekkinj;taYessa,helduraWeinsYeirsemhefjatkulfeyriskomandirum.    _ EignastaWa_ ԀaldraWrahrlandieryfirleittg;WogberaWfagnaYv.X;eralltofalgengt  aW_ tekjustaWa_ ԀYeirrasslmogYeimreynisterfittaWgreiWaskattaogskyldurafeignumsn   umsemoftasteruf;lgnarbWumsemf;lkiWbUrsjlftoghefurmikinnkostnaWaf._ Hs  X nWisaWstaWa_ Ԁofmargraerafarbgborin.Xrtlursemhrfaraeftirerufrrunum2000 K #  og2001ogmtlaaWYrhafiltiWbreystfrYeimtma.rinu2001voru15%Yeirrasem    eru700leigubWumvegumReykjavkurborgaraldraWir,eWavelannaWhundraW,og    aldraWirbiWlistaeftirleigubWumhjborginnivoru126.biWlistumeftir_ Yj;nustubWum_    Reykjavkvoru250aldraWirogbiWlistumeftir_ hjkrunarheimilum_ Ԁvoruum230.AfYessu wO  sstaWum600aldraWirbiWueftirhjkrunar-eWa_ Yj;nustubWum_ ,aukleigubWa,enstrsti B  hlutiYessah;psermjgbrUnniYrffyrirhsnWi,_ aWhlynningu_ ԀeWaYj;nustu.Samagildir    umryrkja,enst;rh;purryrkjaer_ leigumarkaWi_ ԀogbWafimmtahundraWmannseftir   bWumhj_ ryrkjabandalaginu_ . {    XaWerYvdeginumlj;saraaW_ lfeyrisYegar_ ԀhafaekkifengiWsinnhlut_ g;Wrinu_ Ԁogeiga nF raunarrttogkrfuYvtilYessaWfeWlilegaogsanngjarnaleiWrttingukjrumsnum. 9 Lj;stereinnigaWmikilltekjuafgangurrkissj;Wshefur_ m.a._ ԀveriWfenginnmeWYvaWtaka  Yennan_ g;Wrishlut_ ԀaldraWraogryrkja.MeWalannarshefurYaWveriWgertmeWmikilliraun  lkkun_ skattleysismarka_ . r h#vr$j~1Pp@@@5,(( ddn@E,APPv  Raunlkkun_ skattleysismarka_ ԀhefurlkabitnaWaffullumYungalfeyrisYegum.Athyglis e= verteraWskoWaraunlkkun_ skattleysismarkanna_ Ԁeinsoghnbirtistlnuritifrfjrmla 0 rWuneytinuogkynntvarefnahags-og_ viWskiptanefnd_ Ԁ131.lggjafarYingi(sj_ fskj_ .ImeW  _ Yskj_ .608,mli351).XarsstaWraunlkkun_ skattleysismarka_ Ԁfrrinu1989,semaWmestu  kemurframeftirriW1995,ersvoharkalegaWsamkvmtupplUsingumfjrmlarWuneytisins i mtlaaWrkissj;WurhafitekiW36,4_ milljrWum_ Ԁkr.meiratilsnriW2003enhannhefWi \4 gerthefWu_ skattleysismrk_ Ԁfylgt_ launavsitlu_ .MeWsmunlgunerum16,3milljarWakr.aW ' rWa,smiWaWviW_ neysluvsitlu_ ._ Skattleysismrkin_ Ԁeru71.296kr.yfirstandandiri,en  ttuaWvera114.015kr.hefWuYaufylgtYr;un_ launavsitlu_ Ԁog85.709kr.hefWuYaufylgt  Yr;un_ neysluvsitlu_ .XessatugimilljarWahefurrkisvaldiWsvonUtttilaWlkkaskattaaffjr `  magniogfyrirtkjum.FullstWaertilaWvekjaathygliYvaWYessumturumsem S+! liWinerufrYvaWrkisvaldiWklipptitengsllaunaoglfeyrishafaheildartekjurrkissj;Ws " verWlagi2004ogmiWaWviW_ Yj;WhagsreikningsstaWal_ Ԁ_ ESB_ ,_ ESA_ Ԁ95,hkkaWr212.828 # _ milljrWum_ Ԁkr.313.146milljarWakr.AthyglisverteraWtekjurrkissj;WshafaYvaukistum  $ rmlega100milljarWaumframhkkunvsitlu_ neysluverWs_ ԀYessutmabiliogum_ tpa_ Ԁ73 !W% milljarWaumframhkkun_ launavsitlu_ .TilsamanburWarmnefnaaWrkisvaldiWhefurskert J""& _ lfeyrisgreiWslur_ ԀaldraWraogryrkjaaWraungildiYessutmabilium4,6milljarWakr;na. #'   VaraberviWYeirriYr;unsemorWiWhefur_ skattheimtunni_ ԀaWvaxandimlihefur_ skatt #( byrWin_ ԀveriWfluttaffjrmagniogfyrirtkjumyfirlaunaf;lkoglfeyrisYega._ Skattabreyt $ ) ingar_ Ԁ_ umliWinna_ ԀrahafalentmeWfullumYunga_ lgtekjuf;lki_ ԀvegnaYessaW_ skattleysis v%N!* mrk_ Ԁhafaekkifylgt_ launaYr;un_ Ԁlandinu._ ryrkjabandalagiW_ ԀhefurbenttengslumviWaf A&"+ greiWslu_ skattalagafrumvarps_ Ԁrkisstj;rnarinnarsl.riaWlfeyrisYegisemekkerthefurnema  '", bturalmannatryggingasnfarinnaWgreiWajafngilditveggjamnaWa_ tborgunar_ Ԁri '#- hverjubeinaskatta.XettakemurheimogsamanviWYaWaW_ lgtekjuf;lk_ Ԁsemgreiddisama (z$. ogenganskattYegarrkisstj;rnint;kviWgreiWirnveruleganhlutaafsnumtekjumskatt. ( FramhefurkomiWaW29YsundmannsmeWtekjurbilinufr_ skattleysismrkum_ ԀaW100  Ys.kr.greiddusl.ri2milljarWakr.skatta.BrUnterYvaWskoWasrstaklegaleiWirtilaW  dragar_ skattgreiWslum_ ԀlfeyrisYegaogannarra_ lgtekjuh;pa_ ԀtengslumviW_ afkomutrygg a ingu_ ԀYeirra. T,   undanfrnum_ missirum_ ԀhafaYrlitluhkkanirsemrunniWhafatillfeyrisYegaiWulega  veriWteknarafturmeWUmsumaWferWum.Hrskaleinungisminntgfurlegahkkunsem  orWiWhefurlyfja-og_ lkniskostnaWi_ ԀsemrUrthefurverulegakjrlfeyrisYega.:fdmi   eruumaW_ lfeyrisYegar_ ԀYurfiaWgreiWasemsvarar_ mnaWarlfeyrisgreiWslum_ Ԁfyrirlyfri.  X _ HsnWiskostnaWur_ ԀryrkjaogaldraWrahefurlkahkkaWsWusturum,ekkisstYeirra K #  semeru_ leigumarkaWi_ .StyrkirtilbifreiWakauparyrkjaerunfrriogaWraungildieruYeir    lgrienriW1995.AukYesshefurrkisstj;rninafnumiWYauhagstWu_ bifreiWakaupaln_ Ԁsem    ryrkjumst;WuWurtilboWaogvsarYeimnalmennarlnastofnanir.     AfarbrUnterorWiWaWm;taheildarstefnumlefnumaldraWra,_ m.a._ Ԁtfrbreyttri_ aldurs wO  samsetningu_ ԀYj;Warinnarnsturum,enldruWummunfjlgamjghrattogmunmeira B  hlutfallslegaenYeimsemeruvinnumarkaWi._ Heildarstefnum;tun_ ԀmlefnumlfeyrisYega    Yarfauk_ tryggingagreiWslna_ ԀaWtakatil_ heilbrigWis_ -,hsnWis-ogatvinnumlaYeirra.Sr   staklegaYarfaWskoWamarkvissastefnum;tunuppbyggingudvalar-og_ hjkrunarheimila_  {  ogsveigjanleg_ starfslok_ ԀaldraWra. nF   _ VelferWarkerfiW_ Ԁ0slandierveikaraenannarsstaWarNorWurlndumogtgjldrkissj;Ws 9 hrmunminnienannarsstaWargerist.Opinbertgjldtilelli-ogrorkulfeyrisYegaeru_ t.d._   miklulgrihrlandienflestum_ OECD_ -lndunum.0samantektNorrnu_ hagskUrslu  nefndarinnar_ ԀsviWi_ flagsmla_ Ԁ(_ NOSOSKO_ )_ Social_ Ԁ_ tryghed_ Ԁi_ de_ Ԁ_ nordiske_ Ԁ_ lande_ Ԁ2002fr r okt;ber2004umtgjldtilflags-og_ heilbrigWismla_ Ԁ0slandiogannarsstaWarNorWur e= lndumriW2002kemurframaWtgjldtilflags-og_ heilbrigWismla_ ԀaldraWraogryrkja, 0 semhlutfallaflandsframleiWslu,erulgsthrlandi.0slandierhlutfalliW9,8%aflands  framleiWsluenalltupp16,7%aflandsframleiWsluSvYj;W,14,7%Danmrku,12,8%  Finnlandiog12,4%Noregi. i   0Yv_ efnahagsumhverfi_ ԀsemviWbumviWermjgbrUntaWhafaflugtvelferWarkerfisem \4 tryggiraWenginnYurfiaWYolaftkteWaryggisleysi.0lndumYarsem;heftfrjlshyggja ' og_ markaWshyggja_ ԀerallsrWandistefnustj;rnvaldahefurbiliWmillirkraogftkrabreikk  aW.Xettahefurlkagerst0slandi.Atvinnu-og_ rWstfunartekjur_ ԀYeirratekjuhrriYj;W  flaginuhafaundanfrnumrumhkkaWmunmeiraenYeirra_ tekjulgri_ ԀmeWYeimafleiW `  ingumaW_ misskiptingin_ Ԁhefuraukist.XessiYr;unhefurekkisstbitnaWlfeyrisYegum. S+!   XegarlitiWertilYessmisrttissemviWblasir_ tekjuskiptingunni_ Ԁerlj;staWflugtmark " aWskerfisemtryggirheilbrigWasamkeppnikallarlka_ styrkar_ ԀstoWir_ velferWarkerfisins_ ,ann # arsbreikkarbiliWmillirkraogftkraeinsogdminsanna.XannigYarfsamhliWaflugu  $ markaWskerfiaWtryggjaflugtog_ skilvirkt_ ԀvelferWarkerfisem_ m.a._ Ԁtryggirruggaafkomu !W% YeirrasemhllumftistandaogaWallirgetilifaWmeWfullrireisnogerYaWmarkmiWYessar J""& artillgu.MikilvgteraWstj;rnvldltitilYessaWekkieraWeinsumtgjldaWrWaheldur #' skilarhlutikostnaWarinssrtilbakaformibeinnaog;beinnaskatta. #(   riW1998voru_ lfeyrisgreiWslur_ Ԁrlfeyrissj;WumtilaldraWrasamtals9milljarWarkr.og $ ) tilryrkja2,5milljarWarkr.Br_ almannatryggingakerfinu_ Ԁvoruhinsvegargreiddir10millj v%N!* arWarkr._ lfeyrisgreiWslur_ Ԁ(_ grunnlfeyri_ Ԁogtekjutryggingu)tilaldraWraog3,5milljarWarkr. A&"+ tilryrkja.tlamaWhlutur_ lfeyrisgreiWslna_ Ԁrlfeyrissj;WumsYegarorWinnmeirien  '", hluturalmannatryggingalfeyrisgreiWslum.Hluturlfeyrissj;WannamunYannigjafntogYtt '#- stkkameWauknum_ lfeyrisrttindum_ ԀoghrrahlutfallialdraWraafheildarfjldaYj;Warinnar. (z$. St;rhlutilfeyrisYegasemeigaltinnrttlfeyrissj;WummunengusWureigaalltsittundir ( lfeyrialmannatryggingaogYvermikilvgtaWskilningurogsanngirnistj;rnvaldastil  staWar.    XessitillagagerirrWfyriraWrkisstj;rninsamrWiviWsamtkaldraWraogryrkjakomi a _ afkomutryggingu_ ԀfyrirlfeyrisYega.MeginmarkmiWiWeraWfralfeyrialdraWraogryrkja T, nrraunverulegriframfrsluYrfYeirraensamkvmtngildandifyrirkomulagi.Samkvmt  _ neysluknnun_ Ԁ_ Hagstofunnar_ ԀsemgerWvarrin20012003kemurframaW_ neyslutgjld_ Ԁein  staklingareyndustverWarmar2_ millj_ .kr.eWamilli160170Ys.kr.mnuWi.Hstu_ lf   eyrisgreiWslur_ Ԁtileinstaklinga_ almannatryggingakerfinu_ Ԁerunum104Ys._ kr_ .,YannigaW  X mikiWskilurmilli_ framfrslueyris_ ԀogkostnaWarvegna_ nauWYurfta_ .XmnefnaaWviWmiW K #  flagsmlarWuneytisins,semY;erekkinUlegt,gerirrWfyrir140Ys.kr._ lgmarksfram    frslu_ Ԃ.SamkvmtupplUsingumTryggingastofnunarrkisinserutplega17.100aldraWir    meWtekjurundir140Ys.kr.ogtplega7.800ryrkjar,enstalaereitthvaW_ ofmetin_ ԀYar   sem_ aldurstengda_ ԀrorkuvantargrundvllYessaratalna.FlutningsmennleggjahersluaW wO  rWistverWisrstaka_ neysluknnun_ ԀframfrsluYrflfeyrisYegaogaW_ lfeyrisgreiWslur_ Ԁtil B  aldraWraverWisemnstYeirriframfrslu.      0tillgunnierlgWherslaaWraungildi_ grunnlfeyris_ ԀogtekjutryggingarverWiekkilgra   rsbyrjun2007enrinu1995eWaWurenrkisstj;rninkipptirsambanditengingulfeyr {  isviWlaun.EfmiWaWerviW_ grunnlfeyri_ Ԁogtekjutryggingufrdesember2004eru nF _ brtt;tgjld_ ԀrkisinsvegnaYessaum4,6milljarWarkr.enaWteknutillititil_ tekjuhrifa_ Ԁ 9 rkissj;Waf_ skattgreiWslum_ ԀvriumaWrWa_ nett;tgjld_ Ԁum2,9milljarWakr.    0annanstaWerlgWherslaaW_ skerWingarhlutfll_ Ԁ_ grunnlfeyris_ ԀogtekjutryggingarverWi  _ rUmkuW_ ԀverulegatilaWaukasvigrmoghvetjatilatvinnuYtttku.EfviWYaWermiWaWaW r lkka_ skerWingarhlutfall_ Ԁ_ grunnlfeyris_ Ԁr30%20%og_ skerWingarhlutfall_ Ԁtekjutryggingar e= r45%30%vrutgjldYvsamfaraum1.320_ millj_ .kr.miWaWviW_ lfeyrisgreiWslur_ Ԁeins 0 ogYrvorudesember2004.Landssambandeldriborgarahefurlagtframtreikningasem  sUnagfurlegamiklaskerWingutekjumoglfeyriefaldraWirhafaatvinnutekjur.Semdmi  mnefnaaWviW10Ys.kr.auknaratvinnutekjurmnuWihjhj;numhkka_ rWstfunar i tekjur_ ԀYeirramrgumtilfellumaWeinsum1.556kr.mnuWi.SkerWingogskattareruY \4 um84,44%.Hvatinntilaukins_ vinnuframlags_ ԀerYvhverfandismiWtekiWaftekjum. ' _ SkerWingarhlutfall_ ԀalmenntfyrirtekjuralltaW149.989eru45%.EfskoWuWeruhrif  _ skerWingarinnar_ Ԁhj_ einhleypingi_ Ԁsemhefurtekjurundir_ skerWingarmrkum_ Ԁ_ grunnlfeyris_ Ԁen  fr10.000kr.hkkunatvinnuteknaYheldurhanneftir5.500kr.heildartekjur,Wuren `  tekiWertillittiltekjuskatts.Skumhrifatekjuskattsheldurhannrauneftir3.425kr.af S+! Yessum10.000og_ skerWingarhlutfalliW_ ԀerY65,75%. "   XrbreytingarsemYessitillagagerirrWfyrirtilaWaukasvigrmaldraWratilaWafla # teknahefWifrmeWsrauknamguleikaaldraWratilYtttkuatvinnulfinusemer  $ samflaginuafarmikilvgt,ekkisstlj;siYessaWhluturaldraWramunaukastverulega !W% komandirumm;tiYvaWfrriverWavinnumarkaWnum.UmYaWmunarverulega J""& auknumhagvextiogvelferWsamflagsins.RttogeWlilegterYvaWhorfa_ lfeyrisgreiWslur_  #' tilaldraWraogryrkjaYessusamhengiumleiWog_ Yj;Warstt_ ԀnstumYaWmarkmiWaWkoma #( _ afkomutryggingu_ ԀfyrirlfeyrisYegasemtryggiraWenginnYurfiaWYolaftkteWa;vissu $ ) umkjrsn. v%N!*   LokserlgWherslaaWYegarkomiWhefurveriWYeimsamningium_ afkomutryggingu_  A&"+ viWlfeyrisYega,semtillagangerirrWfyriraWverWi1.janar2007,taki_ lfeyrisgreiWslur_ Ԁal  '", mannatryggingafrYeimtmamiWafbreytingu_ launavsitlu_ .Raunarhefurnverandiheil '#- brigWisrWherratekiWundiraWslktengingkomiWtillita,entengslumviWumrWuumvax (z$. andiftkthrlandivarorWrtthafteftirrWherra:?ViWhfumlkaveriWmeWYaWskoWun ( hvortbturgetifylgt_ launaYr;un_ ԀogaW_ launaskriW_ Ԁslkabtt.     FlutningsmennYessarartillguleggjahersluaWYaWverWieittafforgangsverkefnum  Yj;WflaginunstunniaWbtakjr_ tekjulgu_ Ԁh;panna,_ m.a._ ԀmeWYvaWstyrkja_ almanna a tryggingakerfiW_ ,ogaWYessirh;parfieWlileganog_ sanngjarnan_ Ԁhlutauknumhagvextiog T, _ Yj;Wartekjum_ .